One: the loan object
Enterprises (legal persons) and other economic organizations approved and registered by the administrative department for industry and commerce (or competent department).
Two. Loan type
1, short-term working capital loan. The term is within 1 year (including one year), which is mainly used to meet the liquidity needs of normal production and operation turnover of enterprises.
2. Medium-term working capital loans. The term is 1-3 years (including 3 years), which is mainly used to meet the liquidity needs of normal production and operation turnover of enterprises.
3. Working capital revolving loan. The term is generally within 2 years (including 2 years) to meet the normal liquidity needs of enterprises. It is characterized by one-time credit, and customers can recycle loans within the contract period and credit line according to their own needs.
4. Fixed assets loans. The term is more than 3 years, which is mainly used to meet the capital needs of customers for building fixed assets.
5. syndicated loans. Also known as syndicated loan, it is a local currency loan or credit business provided to borrowers by our bank and other banks through correspondent banks on the basis of the same loan conditions, the same loan agreement and the agreed time and proportion.
Third, there are various ways to guarantee:
1, guarantee
Direct loan by contract: the enterprise obtains the loan according to the signed real purchase and sale contract.
General secured loan: an enterprise obtains a loan by looking for another or more unrelated enterprises to guarantee.
2. Mortgage loan
Land and real estate mortgage loan: enterprises can obtain loans with land or real estate with clear property rights according to a certain evaluation value and mortgage rate.
Machinery and equipment mortgage loan: enterprises can obtain loans with certain machinery and equipment mortgage.
Step 3 guarantee
Pledged loan: An enterprise obtains a loan with a real certificate of deposit as collateral.
Inventory pledge loan: enterprises use their own raw materials or finished products as collateral to obtain loans.
Bank acceptance pledge loan: enterprises obtain loans by pledging their own bank acceptance bills.
National debt pledge loan: enterprises pledge national debt to obtain loans.
Accounts receivable pledge loan: an enterprise obtains a loan with its own accounts receivable pledge.
Letter of credit pledge loan: enterprises obtain loans with letter of credit as pledge.
Four. Information required by the lender
1, business license of enterprise as a legal person
2, enterprise legal person organization code certificate
3, enterprise legal person tax registration certificate
4. basic deposit account account opening permit for enterprise legal person.
5. Special industries also need special industry business licenses.
6, enterprise loan card and loan card annual inspection certificate
7. Identity card of the legal representative of the enterprise
8. Articles of Association and capital verification report
9. Audit reports and recent financial statements of the enterprise in the past three years.
10, enterprise-related purchase and sale contracts
1 1, fixed assets certificate and value certificate
12. Other materials required by the bank. Please contact the account manager for specific requirements.
Verb (abbreviation of verb) matters needing attention
1. The enterprise-related information generated by the enterprise must be legal and subject to the annual inspection of relevant departments.
2. The credit line shall be calculated by the bank according to the specific business conditions of the enterprise.